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Kruk (STU:83I) Cyclically Adjusted Book per Share : €37.44 (As of Mar. 2025)


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What is Kruk Cyclically Adjusted Book per Share?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Kruk's adjusted book value per share for the three months ended in Mar. 2025 was €58.525. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €37.44 for the trailing ten years ended in Mar. 2025.

During the past 12 months, Kruk's average Cyclically Adjusted Book Growth Rate was 19.70% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 25.90% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 25.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Kruk was 29.20% per year. The lowest was 23.70% per year. And the median was 25.85% per year.

As of today (2025-05-23), Kruk's current stock price is €90.16. Kruk's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 was €37.44. Kruk's Cyclically Adjusted PB Ratio of today is 2.41.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Kruk was 5.69. The lowest was 1.22. And the median was 3.37.


Kruk Cyclically Adjusted Book per Share Historical Data

The historical data trend for Kruk's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Kruk Cyclically Adjusted Book per Share Chart

Kruk Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only - 15.63 20.77 27.20 33.42

Kruk Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 28.86 30.16 31.62 33.42 37.44

Competitive Comparison of Kruk's Cyclically Adjusted Book per Share

For the Credit Services subindustry, Kruk's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Kruk's Cyclically Adjusted PB Ratio Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Kruk's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Kruk's Cyclically Adjusted PB Ratio falls into.


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Kruk Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Kruk's adjusted Book Value per Share data for the three months ended in Mar. 2025 was:

Adj_Book= Book Value per Share /CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=58.525/157.0208*157.0208
=58.525

Current CPI (Mar. 2025) = 157.0208.

Kruk Quarterly Data

Book Value per Share CPI Adj_Book
201506 9.336 100.448 14.594
201509 10.139 99.634 15.979
201512 10.708 99.471 16.903
201603 11.577 98.983 18.365
201606 11.900 99.552 18.770
201609 12.856 99.064 20.377
201612 15.683 100.366 24.536
201703 16.696 101.018 25.952
201706 17.497 101.180 27.153
201709 18.881 101.343 29.254
201712 18.445 102.564 28.238
201803 20.071 102.564 30.728
201806 20.717 103.378 31.467
201809 21.403 103.378 32.509
201812 21.788 103.785 32.964
201903 22.930 104.274 34.529
201906 22.966 105.983 34.026
201909 24.602 105.983 36.450
201912 24.521 107.123 35.943
202003 24.458 109.076 35.209
202006 0.000 109.402 0.000
202009 25.838 109.320 37.112
202012 25.537 109.565 36.598
202103 27.329 112.658 38.091
202106 27.572 113.960 37.990
202109 30.315 115.588 41.181
202112 32.494 119.088 42.844
202203 36.001 125.031 45.212
202206 36.015 131.705 42.938
202209 38.510 135.531 44.616
202212 40.011 139.113 45.162
202303 43.104 145.950 46.373
202306 42.412 147.009 45.301
202309 45.809 146.113 49.229
202312 46.618 147.741 49.546
202403 51.112 149.044 53.848
202406 50.503 150.997 52.518
202409 54.025 153.439 55.286
202412 55.507 154.660 56.354
202503 58.525 157.021 58.525

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.


Kruk  (STU:83I) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Kruk's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=90.16/37.44
=2.41

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Kruk was 5.69. The lowest was 1.22. And the median was 3.37.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Kruk Cyclically Adjusted Book per Share Related Terms

Thank you for viewing the detailed overview of Kruk's Cyclically Adjusted Book per Share provided by GuruFocus.com. Please click on the following links to see related term pages.


Kruk Business Description

Industry
Traded in Other Exchanges
Address
ul. Wolowska 8, Wroclaw, POL, 51-116
Kruk SA is the leader in the debt collection industry. It manages debts purchased on its own account and contracted by third parties. The group manages bank debt (the main client category), debts owed to loan brokers, insurance companies, leasing firms, fixed-line and mobile phone operators, cable TV companies, digital TV platforms and FMCG companies. The Group manages debt in three segments consumer debts, mortgage debts and corporate debts. Consumer debts include retail and unsecured. Mortgage debts include retail, and secured. Corporate debts include mortgage-backed and non-mortgage-backed. Geographically the company operates in segments Poland, Romania, Italy, Spain, and Other foreign markets.

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